New member of the union

The basic package

• Disability and accident insurance 20 price base amounts (1,176,000 kr 2025)
• Disability insurance 2,100 kr
• Incapacity compensation insurance 10 price base amounts (588,000 kr 2025)
• Life insurance 10 price base amounts (588,000 kr 2025)

Keep your package

Log in to Mina sidor where you can choose to keep your package after three months or put together a personal package of those insurances that suits you better.

Your partner can also take out insurance with us

When you’re a member of one of our affiliated unions you can send an invitation to your spouse, registered partner or cohabitant via Mina sidor. If they accept the invitation they will have the same prices as members and the same good terms. Their insurance will be based on their own needs and they don’t have to buy the same policies as you. You can send an invitation to your spouse, registered partner or cohabitant if

• you are both registered at the same address
• you already have at least one personal insurance policy, for example, disability, healthcare, accident, diagnosis, life or health and accident insurance, with us.

About the insurance policies

Disability and accident insurance

This insurance gives you security if an accident happens or if you suffer permanent issues as a result of an illness:

• Valid round the clock.
• No exceptions for high-risk activities.
• Crisis therapy is included when you need professional support after an accident.

The insurance is an extended accident insurance that provides insurance protection for costs associated with an accident, such as care and travel. Benefits may also be paid if you suffer permanent disability after an illness or accident. 

Disability insurance

This insurance works as a sick leave insurance:

• Support both before and during sick leave.
• Access to a psychologist, therapist or health coach when you need it.
• Tops up loss of working income.

A normal disability insurance policy tops up your monthly income if you are off sick. Our disability insurance gives you help even before that. It allows you to speak to a psychologist, coach or conversational therapist if you feel psychologically unwell, or are anxious or feeling the strain of work. Our aim is prevention, so that you won’t need to take sick leave.

Incapacity compensation insurance

This insurance gives you a lump sum payment if you’re off sick for a long time:

• Extra financial support if you’re off sick for a long time.
• Valid whatever the reason you’re off sick.
• Diagnosis compensation and conversational support are included.

Long or frequent periods of sick leave can have a serious impact on your financial situation. Society’s protection isn’t always enough, and some extra financial support can make all the difference when it comes to managing in the long term. Incapacity compensation insurance gives you that security. It pays out a lump sum if you’re unable to work for a long period of time, no matter whether it’s because of illness or accident. 

Life insurance

This insurance gives security for your family if the worst should happen: 

• Money for your survivors if you die.
• You can increase the compensation.
• You choose who’ll receive the money.

A life insurance policy won’t ease the grief, but it can give your family financial security if you should die. The compensation is paid out as a lump sum which could mean your family can stay in their home, pay their monthly costs and adjust to living on one income. You decide who’ll receive the money. If you don’t make a choice it will automatically go to your spouse, registered partner or cohabitant, and after that to your heirs.